Liabilities / Assets
57th percentile
Higher debt load relative to assets than 57% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.90x
Liabilities / Revenue
69th percentile
Higher debt load relative to revenue than 69% of similar nonprofits.
Net Margin
57th percentile
Higher net margin than 57% of similar nonprofits.
Top Officer Pay
31st percentile
Higher top officer pay than 31% of similar nonprofits.
Top officer pay equals 3.2% of source-year revenue.
Asset Growth
15th percentile
Faster asset growth than 15% of similar nonprofits.
Revenue Growth
17th percentile
Faster revenue growth than 17% of similar nonprofits.
Balance Sheet
Assets
Up$115,244,945
Up $1,652,488 (+1.5%) from 2014
Net Assets
Up$11,511,440
Up $514,842 (+4.7%) from 2014
Liabilities
Up$103,733,505
Up $1,137,646 (+1.1%) from 2014
Revenue And Expenses
Revenue
Down$5,079,053
Down $76,891 (-1.5%) from 2014
Expenses
Down$4,470,392
Down $285,278 (-6.0%) from 2014
Net Income
Up$608,661
Up $208,387 (+52%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Nov 11, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $5,081,008
Mission and Program Overview
Mission
Through our "attitude of excellence" ripco credit union delivers exceptional financial services while building lifelong relationships - one member at a time.
To encourage thrift among members and provide the necessary financial products at competitive prices to enable each member to improve his or her respective social and economic well-being, while not losing sight of the ultimate goal of RIPCO Credit Union as an efficient and sound financial institution.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $52,096,753 | $58,222,197 | ▲ $6,125,444 |
| Savings and Temporary Cash Investments | $32,568,332 | $28,995,960 | ▼ $3,572,372 |
| Investments in Publicly Traded Securities | $18,779,855 | $16,791,055 | ▼ $1,988,800 |
| Rtn Earn Endowment Incm Other Fnds | $10,996,598 | $11,511,440 | ▲ $514,842 |
| Investments Other Securities | $3,323,751 | $4,651,050 | ▲ $1,327,299 |
| Land, Buildings, and Equipment, Net | $2,777,455 | $2,668,015 | ▼ $109,440 |
| Cash and Non-Interest-Bearing Accounts | $2,266,328 | $2,302,394 | ▲ $36,066 |
| Intangible Assets | $390,137 | $332,333 | ▼ $57,804 |
| Prepaid Expenses and Deferred Charges | $108,767 | $132,286 | ▲ $23,519 |
| Accounts Receivable | $208,576 | $97,689 | ▼ $110,887 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $113,592,457 | $115,244,945 | ▲ $1,652,488 |
| Other Assets Total | $1,072,503 | $1,051,966 | ▼ $20,537 |
| Liabilities | |||
| Other Liabilities | $102,360,892 | $103,067,525 | ▲ $706,633 |
| Accounts Payable and Accrued Expenses | $234,967 | $665,980 | ▲ $431,013 |
| Total Liabilities | $102,595,859 | $103,733,505 | ▲ $1,137,646 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $10,996,598 | $11,511,440 | ▲ $514,842 |
| Total Liabilities and Net Assets / Fund Balance | $113,592,457 | $115,244,945 | ▲ $1,652,488 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,118,542 | $2,240,967 | $4,359,509 |
| Equipment | $302,526 | $1,262,077 | $1,564,603 |
| Other Land Buildings | $54,339 | $179,419 | $233,758 |
| Land | $192,608 | - | $192,608 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Liza Edinger | President/CEO | FT | $108,810 | $55,146 | $163,956 |
| Steven Ferch | Chairman | - | $2,400 | - | $2,400 |
| Douglas Joslin | Vice CHAIRMAN | - | $1,200 | - | $1,200 |
| Rod Olson | Treasurer | - | $1,200 | - | $1,200 |
| David Lehman | Secretary | - | $1,000 | - | $1,000 |
| Bill Vancos | Director | - | $600 | - | $600 |
| Heather Schallock | Director | - | $600 | - | $600 |
| Maggie Steffen | Director | - | $600 | - | $600 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $4,265,569
- Investment Income
- $690,143
- Other Revenue
- $123,341
- Change in Net Assets
- $608,661
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $2,314,265 |
| Salaries, Compensation, and Employee Benefits | $2,152,068 |
| Grants and Similar Amounts Paid | $4,059 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,408,652 |
| Office Expenses | - | - | - | $433,848 |
| Other Employee Benefits | - | - | - | $339,987 |
| Depreciation Depletion | - | - | - | $272,093 |
| Fees for Services Other | - | - | - | $210,579 |
| Occupancy | - | - | - | $200,845 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $171,556 |
| Payroll Taxes | - | - | - | $127,958 |
| Advertising | - | - | - | $113,055 |
| Pension Plan Contributions | - | - | - | $103,915 |
| All Other Expenses | - | - | - | $99,482 |
| Other Expenses | - | - | - | $89,134 |
| Information Technology | - | - | - | $79,864 |
| Conferences and Meetings | - | - | - | $57,019 |
| Insurance | - | - | - | $54,007 |
| Fees for Services Accounting | - | - | - | $26,625 |
| Grants to Domestic Orgs | - | - | - | $4,059 |
| Total Functional Expenses | $0 | $0 | $0 | $4,470,392 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Members Shares | $103,039,581 |
| Accrued Dividiends to Members | $27,944 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Backup withholding compliance
- Yes
- Business relationship with family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- No
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- Yes
- Other officer compensation reviewed
- Yes
- Conflict-of-interest policy
- No
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, line 6
“A member is any qualified person or business that has a $5.00 deposit in a savings account at Ripco Credit Union. A member is qualified to vote if they are a member in good standing, are 18 years or older and have been a member for at least one year. Qualifying members have equal rights to vote to elect the governing body of Ripco Credit Union.”
Form 990, Part VI, Section A, line 7A
“Members vote for directors at the annual meeting. Terms for directors are 3 years.”
Form 990, Part VI, Section A, line 7B
“Any person that qualifies to be a member of ripco credit union has voting rights to elect the governing body (board of directors). Each year we hold an annual meeting of members and any directors that are up for reelection are voted in by the members.”
Form 990, Part VI, Section B, line 11
“The Form 990 is reviewed by the Vice President of Operations prior to submission to the Internal Revenue Service.”
Form 990, Part VI, Section B, line 15
“The board of directors has a salary committee that meets annually. The President/CEO presents a recommendation of a dollar amount to be used for employee increases and bonuses. The President/CEO provides information and statistics to support her recommendation. At that same meeting, the President/CEO excuses herself and the committee then reviews the information provided and discusses and recommends a salary increase and bonus for the President/CEO. Prior to that meeting, the board secretary mails out a packet containing at least two salary surveys and other pertinent information regarding credit union President/CEO salaries. The committee approves the president's bonus and salary for the upcoming year and presents this to the full board at the next board meeting and it is then approved by the full board.”
Form 990, Part VI, Section C, line 19
“Governing Documents And Policies Are Available To The Public Upon Request.”
Filing and Contact Details
Filer
- Filer Name
- Ripco Credit Union
- EIN
- 39-0571035
- Phone
- 7153654800
- Address
- 121 Sutliff Avenue, Rhinelander, WI 54501
Signing Officer
- Name
- Liza Edinger
- Title
- President/CEO
- Phone
- 7153654800
- Signed
- 2016-11-11
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Liza Edinger
- Formed
- 1932
- Legal Domicile
- Wi
- Voting Board Members
- 7
- Independent Board Members
- 3
- Employees
- 55
- Volunteers
- 3
Preparer
- Firm
- Wipfli LLP
- Address
- PO Box 8010, Wausau, WI 54402-8010
- Preparer
- Mary A Coates CPA
- Phone
- 7158453111
Raw XML AppendixShowing 400 of 414 raw XML fields
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
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|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 665980 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 208576 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 97689 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | To encourage thrift among members and provide the necessary financial products at competitive prices to enable each member to improve his or her respective social and economic well-being, while not losing sight of the ultimate goal of RIPCO Credit Union as an efficient and sound financial institution. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 113055 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 99482 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Liza Edinger |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7153654800 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 121 Sutliff Avenue |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Rhinelander |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | WI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 54501 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
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| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
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| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2302394 |
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| IRS990/CollectionsOfArtInd | 0 | 0 |
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| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
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| IRS990/CompensationProcessOtherInd | 0 | 1 |
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| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
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| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 4059 |
| IRS990/CYInvestmentIncomeAmt | 0 | 690143 |
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| IRS990/CYOtherRevenueAmt | 0 | 123341 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 4265569 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 608661 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2152068 |
| IRS990/CYTotalExpensesAmt | 0 | 4470392 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 5079053 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 272093 |
| IRS990/Desc | 0 | RIPCO Credit Union serves approximately 13,000 members. We provide loans to members and pay dividends on member share accounts, sharedraft accounts and certificates. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 55 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 26625 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 210579 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 37560 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Heather Schallock |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Maggie Steffen |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Bill Vancos |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | STEVEN FERCH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | DOUGLAS JOSLIN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | DAVID LEHMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Rod Olson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | LIZA EDINGER |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 600 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 600 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 600 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 2400 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 1200 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 1000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 1200 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 126396 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Vice CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT/CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1932 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 8238 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 17212 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 4059 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 10193 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 17212 |
| IRS990/GrossReceiptsAmt | 0 | 5081008 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 32004 |
| IRS990/GroupExemptionNum | 0 | 2157 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 3 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 79864 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 54007 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 390137 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 332333 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 664693 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 664693 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 3323751 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 4651050 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 18779855 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 16791055 |
| IRS990/IRPDocumentCnt | 0 | 2637 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3682463 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2777455 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2668015 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 6350478 |
| IRS990/LegalDomicileStateCd | 0 | WI |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 1955 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 0 |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
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| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 16539 |
| IRS990/MissionDesc | 0 | Through our "Attitude of Excellence" RIPCO Credit Union delivers exceptional financial services while building lifelong relationships - one member at a time. |
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| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
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| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 11511440 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 25450 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 25450 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | 32004 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 32004 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -20213 |
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| IRS990/OccupancyGrp/TotalAmt | 0 | 200845 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 433848 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
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| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1051966 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 339987 |
| IRS990/OtherExpensesGrp/Desc | 0 | ATM Expense |
| IRS990/OtherExpensesGrp/Desc | 1 | Dividends On Member Sha |
| IRS990/OtherExpensesGrp/Desc | 2 | Loan Servicing Expense |
| IRS990/OtherExpensesGrp/Desc | 3 | Credit & Debit Card Exp |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 248949 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 248882 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 179883 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 89134 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 102360892 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 103067525 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER DEPOSIT FEE INCO |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | RECOVERY ON CHARGED OF |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | LOAN PREMIUM AMORITIZA |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 52170 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 13096 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 9532 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 52170 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 13096 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 9532 |
| IRS990/OtherRevenueTotalAmt | 0 | 91337 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1408652 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 52096753 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 58222197 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 127958 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 103915 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 108767 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 132286 |
| IRS990/PrincipalOfficerNm | 0 | Liza Edinger |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST on loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fee income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | INTERCHANGE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | sale of insurance |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3093308 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1063117 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 80162 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 21842 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3093308 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1070257 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 80162 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 21842 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 7140 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | RIPCO actively promotes thrift to young people in the communities we serve. The MOOLA MOOLA club is an exclusive savings club for kids age 10 and under. Children are encouraged to bring their own transactions to the credit union and receive a prize for each deposit. Members of The club also receive personal invitations to MOOLA MOOLA programs, parties and events throughout the year.RIPCO also opened a limited service branch at the local high school to promote saving amongst local youth. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 4875 |
| IRS990/PYInvestmentIncomeAmt | 0 | 613211 |
| IRS990/PYOtherExpensesAmt | 0 | 2736289 |
| IRS990/PYOtherRevenueAmt | 0 | 158211 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4384522 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 400274 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2014506 |
| IRS990/PYTotalExpensesAmt | 0 | 4755670 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 5155944 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 608661 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 32004 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 10996598 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 11511440 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 32568332 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 28995960 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2118542 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 2240967 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4359509 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 302526 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1262077 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1564603 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 192608 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 192608 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 54339 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 179419 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 233758 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 27944 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 103039581 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | ACCRUED DIVIDIENDS TO MEMBERS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | MEMBERS SHARES |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2668015 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 103067525 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/Form990OfOtherOrganizationsInd | 0 | X |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 108810 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 17104 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 12630 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 24930 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 482 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | LIZA EDINGER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 163956 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | A member is any qualified person or business that has a $5.00 deposit in a savings account at Ripco Credit Union. A member is qualified to vote if they are a member in good standing, are 18 years or older and have been a member for at least one year. Qualifying members have equal rights to vote to elect the governing body of Ripco Credit Union. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Members vote for directors at the annual meeting. Terms for directors are 3 years. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | ANY PERSON THAT QUALIFIES TO BE A MEMBER OF RIPCO CREDIT UNION HAS VOTING RIGHTS TO ELECT THE GOVERNING BODY (BOARD OF DIRECTORS). EACH YEAR WE HOLD AN ANNUAL MEETING OF MEMBERS AND ANY DIRECTORS THAT ARE UP FOR REELECTION ARE VOTED IN BY THE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The Form 990 is reviewed by the Vice President of Operations prior to submission to the Internal Revenue Service. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | The board of directors has a salary committee that meets annually. The President/CEO presents a recommendation of a dollar amount to be used for employee increases and bonuses. The President/CEO provides information and statistics to support her recommendation. At that same meeting, the President/CEO excuses herself and the committee then reviews the information provided and discusses and recommends a salary increase and bonus for the President/CEO. Prior to that meeting, the board secretary mails out a packet containing at least two salary surveys and other pertinent information regarding credit union President/CEO salaries. The committee approves the president's bonus and salary for the upcoming year and presents this to the full board at the next board meeting and it is then approved by the full board. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Governing Documents And Policies Are Available To The Public Upon Request. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section C, line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 113592457 |
| IRS990/TotalAssetsEOYAmt | 0 | 115244945 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 113592457 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 115244945 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 55 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 4470392 |
| IRS990/TotalGrossUBIAmt | 0 | 7140 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 102595859 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 103733505 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 102595859 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 103733505 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 10996598 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 11511440 |
| IRS990/TotalOtherCompensationAmt | 0 | 37560 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 4265569 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 133996 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 722147 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4349766 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 5079053 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 7140 |
| IRS990/TotalVolunteersCnt | 0 | 3 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 113592457 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 115244945 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 121 Sutliff Avenue |
| IRS990/USAddress/CityNm | 0 | Rhinelander |
| IRS990/USAddress/StateAbbreviationCd | 0 | WI |
| IRS990/USAddress/ZIPCd | 0 | 54501 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 3 |
| IRS990/WebsiteAddressTxt | 0 | WWW.RIPCO.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2017-02-10 21:41:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Liza Edinger |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | President/CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 7153654800 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-11-11 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Ripco Credit Union |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | RIPC |
| ReturnHeader/Filer/EIN | 0 | 390571035 |
| ReturnHeader/Filer/PhoneNum | 0 | 7153654800 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 121 Sutliff Avenue |
| ReturnHeader/Filer/USAddress/CityNm | 0 | Rhinelander |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | WI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 54501 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $115,244,945
- Liabilities
- $103,733,505
- Net assets
- $11,511,440
- Revenue
- $5,079,053
- Expenses
- $4,470,392
- Net income
- $608,661